Daly City drivers can compare car insurance quotes from multiple California carriers, and with vehicle theft well below the state average, there is good reason to shop around.
How Much Does Car Insurance Cost in Daly City?
Daly City's police recorded about 1.6 vehicle thefts per thousand people in 2025, half the state average of 3.2, which is a point in a driver's favor. Under Prop 103, though, your driving record, annual mileage and years of experience count most, so your own habits will shape your price more than your ZIP code.
| Factor | Daly City | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 62% | 63% |
| Car thefts per 1,000 | 1.6 | 3.2 |
| ZIP codes | 2 |
Why Daly City Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can see different prices from one company to the next. Instead of calling each company, let A1 gather free quotes from several California carriers for you.
About Daly City, California
Daly City is an incorporated city of about 102,560 people packed into just 7.6 square miles in San Mateo County. It sits at about 344 feet of elevation in the San Francisco Bay Area and uses ZIP codes 94014 and 94015. Broadmoor and Colma are about a mile away, while San Bruno, Brisbane, South San Francisco and Pacifica are within about 6 miles.
- County
- San Mateo County
- Population
- 102,560 (Census est.)
- Major routes
- I-280, SR-1, SR-35, SR-82
Driving in Daly City: What to Know
The average commute here is about 29 minutes, right on the state average, and it ranks 11th out of 32 in San Mateo County. Only 55% of workers drive alone, compared with 67% statewide, and about 14% take public transit. Even so, about 62% of households have two or more vehicles, close to the state figure, and drivers use I-280, SR-1, SR-35 and SR-82. If you commute less, tell your insurer, because lower annual mileage can help your rate.
State highways through or near Daly City:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Daly City
The Daly City DMV is at 1500 Sullivan Avenue, Daly City, CA 94015, only about 0.3 miles away.
Nearest DMV: Daly City
1500 Sullivan Avenue, Daly City, CA 94015
About 0.3 miles from Daly City
California Car Insurance Rules for Daly City Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and insurers cannot use your credit score or gender to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Daly City ZIP Codes and Nearby Areas
ZIP codes in Daly City:
Nearby cities and communities:
More About Daly City
Perched on the hills just south of San Francisco, Daly City is a fog-kissed community with big-city views, a rich cultural mix and the Pacific right at its edge. A few local favorites:
- The Cow Palace. Open since 1941, this landmark arena has hosted rodeos, circuses, big concerts and even the Beatles in 1964. It's still a go-to spot for shows and events.
- Filipino food and culture. Daly City is home to one of the largest Filipino American communities in the country, so bakeries, casual restaurants and markets here serve up favorites you'll have trouble finding elsewhere.
- San Bruno Mountain. The state and county park on the city's edge has hillside trails and wide views of the bay, the Pacific and the San Francisco skyline.
- Mussel Rock Park. Perched on coastal bluffs, this park sits right where the San Andreas Fault meets the Pacific. It's a dramatic place to watch the waves and the fog roll in.
Daly City Car Insurance FAQ
Is car insurance cheaper in Daly City because theft is low?
Low theft may help, since Daly City recorded about 1.6 thefts per thousand people against a state average of 3.2. Your driving record, mileage and experience still matter most under Prop 103.
Do I need comprehensive coverage in Daly City?
Comprehensive pays for theft, fire, flood and vandalism to your own car, and liability-only does not. Theft is lower here than the state average, but it is not zero, so consider what it would cost you to replace your car.
Can I save if I use transit part of the week?
About 14% of Daly City workers take public transit, and driving less lowers your annual mileage. Mileage is one of the top rating factors, so report it accurately and compare quotes with A1.